pacs.008.001.02
Scope The FinancialInstitutionToFinancialInstitutionCustomerCreditTransfer message is sent by the debtor agent to the creditor agent, directly or through other agents and/or a payment clearing and settlement system. It is used to move funds from a debtor account to a creditor. Usage The FIToFICustomerCreditTransfer message is exchanged between agents and can contain one or more customer credit transfer instructions. The FIToFICustomerCreditTransfer message does not allow for grouping: a CreditTransferTransactionInformation block must be present for each credit transfer transaction. The FIToFICustomerCreditTransfer message can be used in different ways:
- If the instructing agent and the instructed agent wish to use their direct account relationship in the currency of the transfer then the message contains both the funds for the customer transfer(s) as well as the payment details;
- If the instructing agent and the instructed agent have no direct account relationship in the currency of the transfer, or do not wish to use their account relationship, then other (reimbursement) agents will be involved to cover for the customer transfer(s). The FIToFICustomerCreditTransfer contains only the payment details and the instructing agent must cover the customer transfer by sending a FinancialInstitutionCreditTransfer to a reimbursement agent. This payment method is called the Cover method;
- If more than two financial institutions are involved in the payment chain and if the FIToFICustomerCreditTransfer is sent from one financial institution to the next financial institution in the payment chain, then the payment method is called the Serial method. The FIToFICustomerCreditTransfer message can be used in domestic and cross-border scenarios.
Message Construction
Every ISO20022 message has at the highest level what we call ‘building blocks’. Because the message is constructed as immutable records, the association is by composition. Below you can see the relationship between the message and its constituent building blocks: For comparison, see the ISO20022 official specification
classDiagram
direction LR
%% FIToFICustomerCreditTransferV02 recursion level 0 with max 0
FIToFICustomerCreditTransferV02 *-- "1..1" GroupHeader33 : GroupHeader
FIToFICustomerCreditTransferV02 *-- "1..1" CreditTransferTransactionInformation11 : CreditTransferTransactionInformation
Now, we will zero-in one-by-one on each of these building blocks.
GroupHeader building block
Set of characteristics shared by all individual transactions included in the message. Set of characteristics shared by all individual transactions included in the message. For comparison, see the ISO20022 official specification
classDiagram
direction tb
%% GroupHeader33 recursion level 0 with max 1
class GroupHeader33{
MessageIdentification IsoMax35Text
CreationDateTime IsoISODateTime
BatchBooking IsoBatchBookingIndicator
NumberOfTransactions IsoMax15NumericText
ControlSum IsoDecimalNumber
TotalInterbankSettlementAmount IsoActiveCurrencyAndAmount
InterbankSettlementDate IsoISODate
}
GroupHeader33 *-- "1..1" SettlementInformation13 : SettlementInformation
GroupHeader33 *-- "0..1" PaymentTypeInformation21 : PaymentTypeInformation
GroupHeader33 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : InstructingAgent
GroupHeader33 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : InstructedAgent
%% SettlementInformation13 recursion level 1 with max 1
class SettlementInformation13{
SettlementMethod SettlementMethod1Code
}
SettlementInformation13 *-- "0..1" CashAccount16 : SettlementAccount
SettlementInformation13 *-- "0..1" IClearingSystemIdentification3Choice : ClearingSystem
SettlementInformation13 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : InstructingReimbursementAgent
SettlementInformation13 *-- "0..1" CashAccount16 : InstructingReimbursementAgentAccount
SettlementInformation13 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : InstructedReimbursementAgent
SettlementInformation13 *-- "0..1" CashAccount16 : InstructedReimbursementAgentAccount
SettlementInformation13 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : ThirdReimbursementAgent
SettlementInformation13 *-- "0..1" CashAccount16 : ThirdReimbursementAgentAccount
%% PaymentTypeInformation21 recursion level 1 with max 1
class PaymentTypeInformation21{
InstructionPriority Priority2Code
ClearingChannel ClearingChannel2Code
}
PaymentTypeInformation21 *-- "0..1" IServiceLevel8Choice : ServiceLevel
PaymentTypeInformation21 *-- "0..1" ILocalInstrument2Choice : LocalInstrument
PaymentTypeInformation21 *-- "0..1" ICategoryPurpose1Choice : CategoryPurpose
%% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification
%% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification
GroupHeader33 members
| Member name | Description | Data Type / Multiplicity |
|---|---|---|
| MessageIdentification | Point to point reference, as assigned by the instructing party, and sent to the next party in the chain to unambiguously identify the message. | Usage: The instructing party has to make sure that MessageIdentification is unique per instructed party for a pre-agreed period. |
| CreationDateTime | Date and time at which the message was created. | IsoISODateTime - Required 1..1 |
| BatchBooking | Identifies whether a single entry per individual transaction or a batch entry for the sum of the amounts of all transactions within the group of a message is requested. | Usage: Batch booking is used to request and not order a possible batch booking. |
| NumberOfTransactions | Number of individual transactions contained in the message. | IsoMax15NumericText - Required 1..1 |
| ControlSum | Total of all individual amounts included in the message, irrespective of currencies. | IsoDecimalNumber - Optional 0..1 |
| TotalInterbankSettlementAmount | Total amount of money moved between the instructing agent and the instructed agent. | IsoActiveCurrencyAndAmount - Optional 0..1 |
| InterbankSettlementDate | Date on which the amount of money ceases to be available to the agent that owes it and when the amount of money becomes available to the agent to which it is due. | IsoISODate - Optional 0..1 |
| SettlementInformation | Specifies the details on how the settlement of the transaction(s) between the instructing agent and the instructed agent is completed. | SettlementInformation13 - Required 1..1 |
| PaymentTypeInformation | Set of elements used to further specify the type of transaction. | PaymentTypeInformation21 - Optional 0..1 |
| InstructingAgent | Agent that instructs the next party in the chain to carry out the (set of) instruction(s). | BranchAndFinancialInstitutionIdentification4 - Optional 0..1 |
| InstructedAgent | Agent that is instructed by the previous party in the chain to carry out the (set of) instruction(s). | BranchAndFinancialInstitutionIdentification4 - Optional 0..1 |
CreditTransferTransactionInformation building block
Set of elements providing information specific to the individual credit transfer(s). Set of elements used to provide information specific to the individual transaction(s) included in the message. For comparison, see the ISO20022 official specification
classDiagram
direction tb
%% CreditTransferTransactionInformation11 recursion level 0 with max 1
class CreditTransferTransactionInformation11{
InterbankSettlementAmount IsoActiveCurrencyAndAmount
InterbankSettlementDate IsoISODate
SettlementPriority Priority3Code
AcceptanceDateTime IsoISODateTime
PoolingAdjustmentDate IsoISODate
InstructedAmount IsoActiveOrHistoricCurrencyAndAmount
ExchangeRate IsoBaseOneRate
ChargeBearer ChargeBearerType1Code
}
CreditTransferTransactionInformation11 *-- "1..1" PaymentIdentification3 : PaymentIdentification
CreditTransferTransactionInformation11 *-- "0..1" PaymentTypeInformation21 : PaymentTypeInformation
CreditTransferTransactionInformation11 *-- "0..1" SettlementDateTimeIndication1 : SettlementTimeIndication
CreditTransferTransactionInformation11 *-- "0..1" SettlementTimeRequest2 : SettlementTimeRequest
CreditTransferTransactionInformation11 *-- "0..0" ChargesInformation5 : ChargesInformation
CreditTransferTransactionInformation11 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : PreviousInstructingAgent
CreditTransferTransactionInformation11 *-- "0..1" CashAccount16 : PreviousInstructingAgentAccount
CreditTransferTransactionInformation11 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : InstructingAgent
CreditTransferTransactionInformation11 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : InstructedAgent
CreditTransferTransactionInformation11 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : IntermediaryAgent1
CreditTransferTransactionInformation11 *-- "0..1" CashAccount16 : IntermediaryAgent1Account
CreditTransferTransactionInformation11 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : IntermediaryAgent2
CreditTransferTransactionInformation11 *-- "0..1" CashAccount16 : IntermediaryAgent2Account
CreditTransferTransactionInformation11 *-- "0..1" BranchAndFinancialInstitutionIdentification4 : IntermediaryAgent3
CreditTransferTransactionInformation11 *-- "0..1" CashAccount16 : IntermediaryAgent3Account
CreditTransferTransactionInformation11 *-- "0..1" PartyIdentification32 : UltimateDebtor
CreditTransferTransactionInformation11 *-- "0..1" PartyIdentification32 : InitiatingParty
CreditTransferTransactionInformation11 *-- "1..1" PartyIdentification32 : Debtor
CreditTransferTransactionInformation11 *-- "0..1" CashAccount16 : DebtorAccount
CreditTransferTransactionInformation11 *-- "1..1" BranchAndFinancialInstitutionIdentification4 : DebtorAgent
CreditTransferTransactionInformation11 *-- "0..1" CashAccount16 : DebtorAgentAccount
CreditTransferTransactionInformation11 *-- "1..1" BranchAndFinancialInstitutionIdentification4 : CreditorAgent
CreditTransferTransactionInformation11 *-- "0..1" CashAccount16 : CreditorAgentAccount
CreditTransferTransactionInformation11 *-- "1..1" PartyIdentification32 : Creditor
CreditTransferTransactionInformation11 *-- "0..1" CashAccount16 : CreditorAccount
CreditTransferTransactionInformation11 *-- "0..1" PartyIdentification32 : UltimateCreditor
CreditTransferTransactionInformation11 *-- "0..0" InstructionForCreditorAgent1 : InstructionForCreditorAgent
CreditTransferTransactionInformation11 *-- "0..0" InstructionForNextAgent1 : InstructionForNextAgent
CreditTransferTransactionInformation11 *-- "0..1" IPurpose2Choice : Purpose
CreditTransferTransactionInformation11 *-- "0..10" RegulatoryReporting3 : RegulatoryReporting
CreditTransferTransactionInformation11 *-- "0..10" RemittanceLocation2 : RelatedRemittanceInformation
CreditTransferTransactionInformation11 *-- "0..1" RemittanceInformation5 : RemittanceInformation
%% PaymentIdentification3 recursion level 1 with max 1
class PaymentIdentification3{
InstructionIdentification IsoMax35Text
EndToEndIdentification IsoMax35Text
TransactionIdentification IsoMax35Text
ClearingSystemReference IsoMax35Text
}
%% PaymentTypeInformation21 recursion level 1 with max 1
class PaymentTypeInformation21{
InstructionPriority Priority2Code
ClearingChannel ClearingChannel2Code
}
PaymentTypeInformation21 *-- "0..1" IServiceLevel8Choice : ServiceLevel
PaymentTypeInformation21 *-- "0..1" ILocalInstrument2Choice : LocalInstrument
PaymentTypeInformation21 *-- "0..1" ICategoryPurpose1Choice : CategoryPurpose
%% SettlementDateTimeIndication1 recursion level 1 with max 1
class SettlementDateTimeIndication1{
DebitDateTime IsoISODateTime
CreditDateTime IsoISODateTime
}
%% SettlementTimeRequest2 recursion level 1 with max 1
class SettlementTimeRequest2{
CLSTime IsoISOTime
TillTime IsoISOTime
FromTime IsoISOTime
RejectTime IsoISOTime
}
%% ChargesInformation5 recursion level 1 with max 1
class ChargesInformation5{
Amount IsoActiveOrHistoricCurrencyAndAmount
}
ChargesInformation5 *-- "1..1" BranchAndFinancialInstitutionIdentification4 : Party
%% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification
%% CashAccount16 recursion level 1 with max 1
class CashAccount16{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount16 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount16 *-- "0..1" CashAccountType2 : Type
%% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification
%% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification
%% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification
%% CashAccount16 recursion level 1 with max 1
class CashAccount16{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount16 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount16 *-- "0..1" CashAccountType2 : Type
%% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification
%% CashAccount16 recursion level 1 with max 1
class CashAccount16{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount16 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount16 *-- "0..1" CashAccountType2 : Type
%% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification
%% CashAccount16 recursion level 1 with max 1
class CashAccount16{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount16 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount16 *-- "0..1" CashAccountType2 : Type
%% PartyIdentification32 recursion level 1 with max 1
class PartyIdentification32{
Name IsoMax140Text
CountryOfResidence CountryCode
}
PartyIdentification32 *-- "0..1" PostalAddress6 : PostalAddress
PartyIdentification32 *-- "0..1" IParty6Choice : Identification
PartyIdentification32 *-- "0..1" ContactDetails2 : ContactDetails
%% PartyIdentification32 recursion level 1 with max 1
class PartyIdentification32{
Name IsoMax140Text
CountryOfResidence CountryCode
}
PartyIdentification32 *-- "0..1" PostalAddress6 : PostalAddress
PartyIdentification32 *-- "0..1" IParty6Choice : Identification
PartyIdentification32 *-- "0..1" ContactDetails2 : ContactDetails
%% PartyIdentification32 recursion level 1 with max 1
class PartyIdentification32{
Name IsoMax140Text
CountryOfResidence CountryCode
}
PartyIdentification32 *-- "0..1" PostalAddress6 : PostalAddress
PartyIdentification32 *-- "0..1" IParty6Choice : Identification
PartyIdentification32 *-- "0..1" ContactDetails2 : ContactDetails
%% CashAccount16 recursion level 1 with max 1
class CashAccount16{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount16 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount16 *-- "0..1" CashAccountType2 : Type
%% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification
%% CashAccount16 recursion level 1 with max 1
class CashAccount16{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount16 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount16 *-- "0..1" CashAccountType2 : Type
%% BranchAndFinancialInstitutionIdentification4 recursion level 1 with max 1
BranchAndFinancialInstitutionIdentification4 *-- "1..1" FinancialInstitutionIdentification7 : FinancialInstitutionIdentification
BranchAndFinancialInstitutionIdentification4 *-- "0..1" BranchData2 : BranchIdentification
%% CashAccount16 recursion level 1 with max 1
class CashAccount16{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount16 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount16 *-- "0..1" CashAccountType2 : Type
%% PartyIdentification32 recursion level 1 with max 1
class PartyIdentification32{
Name IsoMax140Text
CountryOfResidence CountryCode
}
PartyIdentification32 *-- "0..1" PostalAddress6 : PostalAddress
PartyIdentification32 *-- "0..1" IParty6Choice : Identification
PartyIdentification32 *-- "0..1" ContactDetails2 : ContactDetails
%% CashAccount16 recursion level 1 with max 1
class CashAccount16{
Currency ActiveOrHistoricCurrencyCode
Name IsoMax70Text
}
CashAccount16 *-- "1..1" IAccountIdentification4Choice : Identification
CashAccount16 *-- "0..1" CashAccountType2 : Type
%% PartyIdentification32 recursion level 1 with max 1
class PartyIdentification32{
Name IsoMax140Text
CountryOfResidence CountryCode
}
PartyIdentification32 *-- "0..1" PostalAddress6 : PostalAddress
PartyIdentification32 *-- "0..1" IParty6Choice : Identification
PartyIdentification32 *-- "0..1" ContactDetails2 : ContactDetails
%% InstructionForCreditorAgent1 recursion level 1 with max 1
class InstructionForCreditorAgent1{
Code Instruction3Code
InstructionInformation IsoMax140Text
}
%% InstructionForNextAgent1 recursion level 1 with max 1
class InstructionForNextAgent1{
Code Instruction4Code
InstructionInformation IsoMax140Text
}
%% IPurpose2Choice recursion level 1 with max 1
%% RegulatoryReporting3 recursion level 1 with max 1
class RegulatoryReporting3{
DebitCreditReportingIndicator RegulatoryReportingType1Code
}
RegulatoryReporting3 *-- "0..1" RegulatoryAuthority2 : Authority
RegulatoryReporting3 *-- "0..0" StructuredRegulatoryReporting3 : Details
%% RemittanceLocation2 recursion level 1 with max 1
class RemittanceLocation2{
RemittanceIdentification IsoMax35Text
RemittanceLocationMethod RemittanceLocationMethod2Code
RemittanceLocationElectronicAddress IsoMax2048Text
}
RemittanceLocation2 *-- "0..1" NameAndAddress10 : RemittanceLocationPostalAddress
%% RemittanceInformation5 recursion level 1 with max 1
class RemittanceInformation5{
Unstructured IsoMax140Text
}
RemittanceInformation5 *-- "0..0" StructuredRemittanceInformation7 : Structured
CreditTransferTransactionInformation11 members
| Member name | Description | Data Type / Multiplicity |
|---|---|---|
| PaymentIdentification | Set of elements used to reference a payment instruction. | PaymentIdentification3 - Required 1..1 |
| PaymentTypeInformation | Set of elements used to further specify the type of transaction. | PaymentTypeInformation21 - Optional 0..1 |
| InterbankSettlementAmount | Amount of money moved between the instructing agent and the instructed agent. | IsoActiveCurrencyAndAmount - Required 1..1 |
| InterbankSettlementDate | Date on which the amount of money ceases to be available to the agent that owes it and when the amount of money becomes available to the agent to which it is due. | IsoISODate - Optional 0..1 |
| SettlementPriority | Indicator of the urgency or order of importance that the instructing party would like the instructed party to apply to the processing of the settlement instruction. | Priority3Code - Optional 0..1 |
| SettlementTimeIndication | Provides information on the occurred settlement time(s) of the payment transaction. | SettlementDateTimeIndication1 - Optional 0..1 |
| SettlementTimeRequest | Provides information on the requested settlement time(s) of the payment instruction. | SettlementTimeRequest2 - Optional 0..1 |
| AcceptanceDateTime | Point in time when the payment order from the initiating party meets the processing conditions of the account servicing agent. This means that the account servicing agent has received the payment order and has applied checks such as authorisation, availability of funds. | IsoISODateTime - Optional 0..1 |
| PoolingAdjustmentDate | Date used for the correction of the value date of a cash pool movement that has been posted with a different value date. | IsoISODate - Optional 0..1 |
| InstructedAmount | Amount of money to be moved between the debtor and creditor, before deduction of charges, expressed in the currency as ordered by the initiating party. | IsoActiveOrHistoricCurrencyAndAmount - Optional 0..1 |
| ExchangeRate | Factor used to convert an amount from one currency into another. This reflects the price at which one currency was bought with another currency. | IsoBaseOneRate - Optional 0..1 |
| ChargeBearer | Specifies which party/parties will bear the charges associated with the processing of the payment transaction. | ChargeBearerType1Code - Required 1..1 |
| ChargesInformation | Provides information on the charges to be paid by the charge bearer(s) related to the payment transaction. | ChargesInformation5 - Unknown 0..0 |
| PreviousInstructingAgent | Agent immediately prior to the instructing agent. | BranchAndFinancialInstitutionIdentification4 - Optional 0..1 |
| PreviousInstructingAgentAccount | Unambiguous identification of the account of the previous instructing agent at its servicing agent in the payment chain. | CashAccount16 - Optional 0..1 |
| InstructingAgent | Agent that instructs the next party in the chain to carry out the (set of) instruction(s). | BranchAndFinancialInstitutionIdentification4 - Optional 0..1 |
| InstructedAgent | Agent that is instructed by the previous party in the chain to carry out the (set of) instruction(s). | BranchAndFinancialInstitutionIdentification4 - Optional 0..1 |
| IntermediaryAgent1 | Agent between the debtor’s agent and the creditor’s agent. | |
| IntermediaryAgent1Account | Unambiguous identification of the account of the intermediary agent 1 at its servicing agent in the payment chain. | CashAccount16 - Optional 0..1 |
| IntermediaryAgent2 | Agent between the debtor’s agent and the creditor’s agent. | |
| IntermediaryAgent2Account | Unambiguous identification of the account of the intermediary agent 2 at its servicing agent in the payment chain. | CashAccount16 - Optional 0..1 |
| IntermediaryAgent3 | Agent between the debtor’s agent and the creditor’s agent. | |
| IntermediaryAgent3Account | Unambiguous identification of the account of the intermediary agent 3 at its servicing agent in the payment chain. | CashAccount16 - Optional 0..1 |
| UltimateDebtor | Ultimate party that owes an amount of money to the (ultimate) creditor. | PartyIdentification32 - Optional 0..1 |
| InitiatingParty | Party that initiates the payment. | Usage: This can be either the debtor or a party that initiates the credit transfer on behalf of the debtor. |
| Debtor | Party that owes an amount of money to the (ultimate) creditor. | PartyIdentification32 - Required 1..1 |
| DebtorAccount | Unambiguous identification of the account of the debtor to which a debit entry will be made as a result of the transaction. | CashAccount16 - Optional 0..1 |
| DebtorAgent | Financial institution servicing an account for the debtor. | BranchAndFinancialInstitutionIdentification4 - Required 1..1 |
| DebtorAgentAccount | Unambiguous identification of the account of the debtor agent at its servicing agent in the payment chain. | CashAccount16 - Optional 0..1 |
| CreditorAgent | Financial institution servicing an account for the creditor. | BranchAndFinancialInstitutionIdentification4 - Required 1..1 |
| CreditorAgentAccount | Unambiguous identification of the account of the creditor agent at its servicing agent to which a credit entry will be made as a result of the payment transaction. | CashAccount16 - Optional 0..1 |
| Creditor | Party to which an amount of money is due. | PartyIdentification32 - Required 1..1 |
| CreditorAccount | Unambiguous identification of the account of the creditor to which a credit entry will be posted as a result of the payment transaction. | CashAccount16 - Optional 0..1 |
| UltimateCreditor | Ultimate party to which an amount of money is due. | PartyIdentification32 - Optional 0..1 |
| InstructionForCreditorAgent | Further information related to the processing of the payment instruction, provided by the initiating party, and intended for the creditor agent. | InstructionForCreditorAgent1 - Unknown 0..0 |
| InstructionForNextAgent | Further information related to the processing of the payment instruction that may need to be acted upon by the next agent. | |
| Purpose | Underlying reason for the payment transaction. | Usage: Purpose is used by the end-customers, that is initiating party, (ultimate) debtor, (ultimate) creditor to provide information concerning the nature of the payment. Purpose is a content element, which is not used for processing by any of the agents involved in the payment chain. |
| RegulatoryReporting | Information needed due to regulatory and statutory requirements. | RegulatoryReporting3 - Collection 0..10 |
| RelatedRemittanceInformation | Set of elements used to provide information related to the handling of the remittance information by any of the agents in the transaction processing chain. | RemittanceLocation2 - Collection 0..10 |
| RemittanceInformation | Information supplied to enable the matching of an entry with the items that the transfer is intended to settle, such as commercial invoices in an accounts’ receivable system. | RemittanceInformation5 - Optional 0..1 |
Extensibility and generalization considerations
To facilitate generalized design patterns in the system, the FIToFICustomerCreditTransferV02 implementation follows a specific implementaiton pattern. First of all, FIToFICustomerCreditTransferV02 impleemnts IOuterRecord indicating it is the outermost logical part of the message definition. Like all message wrappers, FIToFICustomerCreditTransferV02Document implements IOuterDocument. Because FIToFICustomerCreditTransferV02 implements IOuterDocument, it is a suitable template parameter for IOuterDocument, and causes the internal ‘Message’ to be of type FIToFICustomerCreditTransferV02.
classDiagram
class IOuterRecord
FIToFICustomerCreditTransferV02 --|> IOuterRecord : Implements
FIToFICustomerCreditTransferV02Document --|> IOuterDocument~FIToFICustomerCreditTransferV02~ : Implements
class IOuterDocument~FIToFICustomerCreditTransferV02~ {
FIToFICustomerCreditTransferV02 Message
}
Document wrapper for serialization
The only real purpose FIToFICustomerCreditTransferV02Document serves is to cause the document to be serialized into the ‘urn:iso:std:iso:20022:tech:xsd:pacs.008.001.02’ namespace. Therefore, it will probably be the usual practice to build the message and construct this wrapper at the last minute using FIToFICustomerCreditTransferV02.ToDocument() method. The returned FIToFICustomerCreditTransferV02Document value will serialize correctly according to ISO 20022 standards.
classDiagram
FIToFICustomerCreditTransferV02Document *-- FIToFICustomerCreditTransferV02 : Document
Sample of message format
This is an abbreviated version of what the message should look like.
<Document xmlns="urn:iso:std:iso:20022:tech:xsd:pacs.008.001.02">
<FIToFICstmrCdtTrf>
<GrpHdr>
<!-- GroupHeader inner content -->
</GrpHdr>
<CdtTrfTxInf>
<!-- CreditTransferTransactionInformation inner content -->
</CdtTrfTxInf>
</FIToFICstmrCdtTrf>
</Document>
Data from ISO specification
This is the technical data from the specification document.
<messageDefinition
xmi:id="_ehlmftEuEd-BzquC8wXy7w_1416831280"
nextVersions="_sDnyUFkyEeGeoaLUQk__nA_-1104401270"
previousVersion="_ehb1cNEuEd-BzquC8wXy7w_-1298261091"
name="FIToFICustomerCreditTransferV02"
definition="Scope
The FinancialInstitutionToFinancialInstitutionCustomerCreditTransfer message is sent by the debtor agent to the creditor agent, directly or through other agents and/or a payment clearing and settlement system. It is used to move funds from a debtor account to a creditor.
Usage
The FIToFICustomerCreditTransfer message is exchanged between agents and can contain one or more customer credit transfer instructions.
The FIToFICustomerCreditTransfer message does not allow for grouping: a CreditTransferTransactionInformation block must be present for each credit transfer transaction.
The FIToFICustomerCreditTransfer message can be used in different ways:
- If the instructing agent and the instructed agent wish to use their direct account relationship in the currency of the transfer then the message contains both the funds for the customer transfer(s) as well as the payment details;
- If the instructing agent and the instructed agent have no direct account relationship in the currency of the transfer, or do not wish to use their account relationship, then other (reimbursement) agents will be involved to cover for the customer transfer(s). The FIToFICustomerCreditTransfer contains only the payment details and the instructing agent must cover the customer transfer by sending a FinancialInstitutionCreditTransfer to a reimbursement agent. This payment method is called the Cover method;
- If more than two financial institutions are involved in the payment chain and if the FIToFICustomerCreditTransfer is sent from one financial institution to the next financial institution in the payment chain, then the payment method is called the Serial method.
The FIToFICustomerCreditTransfer message can be used in domestic and cross-border scenarios."
registrationStatus="Registered"
messageSet="_urpIICeJEeOCeO5e7islRQ"
xmlTag="FIToFICstmrCdtTrf"
rootElement="Document"
xmlns:xmi="http://www.omg.org/XMI">
<constraint
xmi:id="_ehvXcdEuEd-BzquC8wXy7w_-184331466"
name="InstructedAgentRule"
definition="If GroupHeader/InstructedAgent is present, then CreditTransferTransactionInformation/InstructedAgent is not allowed."
registrationStatus="Provisionally Registered"
expression="<RuleDefinition xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><ComplexRule xsi:type="ComplexRule"><mustBe><connector>AND</connector><BooleanRule xsi:type="Absence"><leftOperand>/CreditTransferTransactionInformation[*]/InstructedAgent</leftOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/InstructedAgent</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_ehvXdNEuEd-BzquC8wXy7w_-184331435"
name="InstructingAgentRule"
definition="If GroupHeader/InstructingAgent is present, then CreditTransferTransactionInformation/InstructingAgent is not allowed."
registrationStatus="Provisionally Registered"
expression="<RuleDefinition xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><ComplexRule xsi:type="ComplexRule"><mustBe><connector>AND</connector><BooleanRule xsi:type="Absence"><leftOperand>/CreditTransferTransactionInformation[*]/InstructingAgent</leftOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/InstructingAgent</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_ehvXd9EuEd-BzquC8wXy7w_-184331405"
name="TotalInterbankSettlementAmountRule"
definition="If GroupHeader/TotalInterbankSettlementAmount is present, then all occurrences of CreditTransferTransactionInformation/InterbankSettlementAmount must have the same currency as the currency of GroupHeader/TotalInterbankSettlementAmount."
registrationStatus="Provisionally Registered"
expression="<RuleDefinition xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><ComplexRule xsi:type="ComplexRule"><mustBe><connector>AND</connector><BooleanRule xsi:type="EqualToNode"><leftOperand>/CreditTransferTransactionInformation[*]/InterbankSettlementAmount/@Currency</leftOperand><rightOperand>/GroupHeader/TotalInterbankSettlementAmount/@Currency</rightOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/TotalInterbankSettlementAmount</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_ehvXetEuEd-BzquC8wXy7w_-184331374"
name="TotalInterbankSettlementAmountAndSumRule"
definition="If GroupHeader/TotalInterbankSettlementAmount is present, then it must equal the sum of all occurrences of CreditTransferTransactionInformation/InterbankSettlementAmount."
registrationStatus="Provisionally Registered"
expression="<RuleDefinition xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><ComplexRule xsi:type="ComplexRule"><mustBe><connector>AND</connector><BooleanRule xsi:type="EqualToValue"><leftOperand>/GroupHeader/TotalInterbankSettlementAmount</leftOperand><rightOperand>sum of /CreditTransferTransactionInformation/InterbankSettlementAmount</rightOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/TotalInterbankSettlementAmount</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_ehvXfdEuEd-BzquC8wXy7w_-184331343"
name="GroupHeaderInterbankSettlementDateRule"
definition="If GroupHeader/InterbankSettlementDate is present, then CreditTransferTransactionInformation/InterbankSettlementDate is not allowed."
registrationStatus="Provisionally Registered"
expression="<RuleDefinition xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><ComplexRule xsi:type="ComplexRule"><mustBe><connector>AND</connector><BooleanRule xsi:type="Absence"><leftOperand>/CreditTransferTransactionInformation[*]/InterbankSettlementDate</leftOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/InterbankSettlementDate</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_ehvXgNEuEd-BzquC8wXy7w_-184331313"
name="TransactionInterbankSettlementDateRule"
definition="If GroupHeader/InterbankSettlementDate is not present, then CreditTransferTransactionInformation/InterbankSettlementDate must be present."
registrationStatus="Provisionally Registered"
expression="<RuleDefinition xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><ComplexRule xsi:type="ComplexRule"><mustBe><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/CreditTransferTransactionInformation[*]/InterbankSettlementDate</leftOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Absence"><leftOperand>/GroupHeader/InterbankSettlementDate</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_ehvXg9EuEd-BzquC8wXy7w_-184331035"
name="PaymentTypeInformationRule"
definition="If GroupHeader/PaymentTypeInformation is present, then CreditTransferTransactionInformation/PaymentTypeInformation is not allowed."
registrationStatus="Provisionally Registered"
expression="<RuleDefinition xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><ComplexRule xsi:type="ComplexRule"><mustBe><connector>AND</connector><BooleanRule xsi:type="Absence"><leftOperand>/CreditTransferTransactionInformation[*]/PaymentTypeInformation</leftOperand></BooleanRule></mustBe><onCondition><connector>AND</connector><BooleanRule xsi:type="Presence"><leftOperand>/GroupHeader/PaymentTypeInformation</leftOperand></BooleanRule></onCondition></ComplexRule></RuleDefinition>
" />
<constraint
xmi:id="_ehvXhtEuEd-BzquC8wXy7w_-1195545265"
name="NumberOfTransactionsAndCreditTransfersRule"
definition="GroupHeader/NumberOfTransactions must equal the number of occurrences of CreditTransferTransactionInformation."
registrationStatus="Provisionally Registered"
expression="<RuleDefinition xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"><SimpleRule xsi:type="SimpleRule"><mustBe><connector>AND</connector><BooleanRule xsi:type="EqualToValue"><leftOperand>/GroupHeader/NumberOfTransactions</leftOperand><rightOperand>number of occurrences of CreditTransferTransactionInformation</rightOperand></BooleanRule></mustBe></SimpleRule></RuleDefinition>
" />
<messageBuildingBlock
xmi:id="_ehlmf9EuEd-BzquC8wXy7w_1416831536"
name="GroupHeader"
definition="Set of characteristics shared by all individual transactions included in the message."
registrationStatus="Provisionally Registered"
maxOccurs="1"
minOccurs="1"
xmlTag="GrpHdr"
complexType="_P0HeKtp-Ed-ak6NoX_4Aeg_2014335912" />
<messageBuildingBlock
xmi:id="_ehvXcNEuEd-BzquC8wXy7w_1416831589"
name="CreditTransferTransactionInformation"
definition="Set of elements providing information specific to the individual credit transfer(s)."
registrationStatus="Provisionally Registered"
minOccurs="1"
xmlTag="CdtTrfTxInf"
complexType="_P2y-uNp-Ed-ak6NoX_4Aeg_167029543" />
<messageDefinitionIdentifier
businessArea="pacs"
messageFunctionality="008"
flavour="001"
version="02" />
</messageDefinition>
ISO Building Blocks
The following items are used as building blocks to construct this message.